Dang well thats a fine welcome home!! Luckly we dont live that low to have flooding. I bet its a pain in the ass. I just hope you had flood insurance, but knowing the insurance companies they can either be right on the spot and get stuff done fast , or drag thier asses. Good luck Niki and I will keep yall in our prayers and thioughts that this can be swiftly resoloved.

First, quit calling it a flood. That a special coverage that you may, or may not, have. This is damage from a broken appliance and it should be covered. The first thing is to check your policy to see if you have coverage for replacement value, or actual cash value. I don't think you'll have a problem with the carrier.

__________________
Griff
Friends don't let friends eat farmed fish.

"People sleep peacefully in their beds at night only because rough men stand ready to visit violence on those who would do them harm."
George Orwell

First, quit calling it a flood. That a special coverage that you may, or may not, have. This is damage from a broken appliance and it should be covered. The first thing is to check your policy to see if you have coverage for replacement value, or actual cash value. I don't think you'll have a problem with the carrier.

First, quit calling it a flood. That a special coverage that you may, or may not, have. This is damage from a broken appliance and it should be covered. The first thing is to check your policy to see if you have coverage for replacement value, or actual cash value. I don't think you'll have a problem with the carrier.

Replacement value is better but the premiums are higher. They pay whatever it costs in today's dollars to replace the loss. With actual cash value, the insurance carrier will depreciate it. In a nut shell, replacement value will pay you the cost of a new like item. Actual cash value (ACV) insurance will pay you the cost of a like used item. Unfortunately, you can't get replacement value in an auto policy, only homeowners insurance will do that. BTW, Nick I need your address to send you the bill for this advice.

__________________
Griff
Friends don't let friends eat farmed fish.

"People sleep peacefully in their beds at night only because rough men stand ready to visit violence on those who would do them harm."
George Orwell